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Michael J Spivak

Lets work together on your financial planning decisions.  In developing either a customized retirement plan or needing counsel on personal tax, estate or investment strategies, I am here to help.  Using my years of expertise and understanding of the financial industry, you’ll receive solutions and experience true results.

City Center



Life can be challenging; I can help to lighten the load. As a Certified Financial Planner (CFP) and Chartered Professional Accountant (CPA), I am held to the highest ethical and fiduciary standard.  This means focusing on bettering the financial interests of Canadians to be the number one priority.  A fee-only, advice-only financial planner can help fit together all the different pieces of your financial puzzle.    

True fee-only, advice-only financial planning ensures that the planner is compensated solely by agreed-upon fees paid by the client.  This means there are no products being sold, no hidden costs and no third party financial motivations or kickbacks - the planner represents the client and only the client.

It is estimated that there are less than 200 fee-only, advice-only planners in Canada; compared to over 100,000 other financial advisors - the majority of which work for financial institutions that sell commissioned products and are confined to their company's objectives.   In other words, a client's best interests may not be the number one priority between the client, the advisor and the advisor's institution.

Since 1999, I’ve been serving loyal clients all across Canada - get in touch today to start my services.


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Financial Counsel

$160 per hour

My services are customized to meet the specific needs of each client.  Some of the most common topics are:  Personal Tax Planning Strategies and/or Personal Tax Preparation, Investment Strategies (including a second opinion on a current investment portfolio), Commuting a Pension, Estate Planning, Insurance Needs Analysis and Cash Flow Management.  Contact me to find out how I can help today.


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Six most common retirement questions:

1- How long will my money last? Am I going to be OK?

2- How much can I spend so I won't run out of money?

3- When should I take my gov't benefits of CPP/QPP and OAS?

4- Which of my assets should I spend first?

5- I'm currently saving $X, is this going to be enough?

6- How much can I pass on to my children when I die?

If you answered yes to any of the above, then a retirement plan will be beneficial.

A retirement plan is a projection mapped out financially every year for the rest of your life. It includes a comprehensive year-by-year forecast of income source, income level, tax payable, basic expenses, extraordinary expenses, investment growth, debt repayment, pensions, inheritances, home purchase, home downsize, etc. This plan determines the level of savings required to retire at a specific age and an optimization of your retirement cash flow.

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Analysing the Numbers


$2,700 flat fee for single clients and $3,200 for couples

Includes all aspects of each financial module (ie. retirement plan, investment counsel, tax strategies, estate plan, insurance needs analysis and cash flow management).  A financial plan is the cornerstone of an individual's or family's quest for financial independence. Saving and investing are important parts of a financial plan, but there is so much more.

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Contact Me

Have a particular financial challenge you’re trying to deal with? Contact me today and see what I can do for you.

113 Gloucester Grove, Toronto, ON M6C2A7


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